Investment property improvement lenders in Rowan County, North Carolina
Fat Boy Data analyzed investment home improvement loan activity in Rowan County, North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 127 applications were decided by 34 lenders between 2023 and 2025.
Rowan County at a glance
How Rowan County compares
What the data shows
State Employees' made the most investment home improvement loans in Rowan County, NC, 17 of them.
That is 30% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
State Employees' approved the highest share of applications among lenders with at least 20 decisions here, 49% of 35.
The typical investment home improvement loan here is $105K, 40% larger than the North Carolina typical of $75K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Rowan County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 49% | 17 / 35 | 100% | $65K | 17 |
| 2 | Bank of America, National AssociationLimited sample | 20% | 2 / 10 | 100% | $125K | 2 |
| 3 | Truist BankLimited sample | 33% | 3 / 9 | 67% | $235K | 2 |
| 4 | Navy Federal Credit UnionLimited sample | 29% | 2 / 7 | 50% | $75K | 1 |
| 5 | Civic Federal Credit UnionLimited sample | 40% | 2 / 5 | 100% | $65K | 2 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 29 more lenders.
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